BlastPoint's Banking Scorecard

Cornhusker Bank

$1B-$10B Specialty: Commercial NE FDIC cert 14264

Designations: ✓ Community bank

Lincoln, NE

9 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
Deposits +1.7% year over year ($852.8M on the books).
Delinquency rate 0.02%.
Return on assets 1.43%.
Efficiency ratio 61.96% vs a 59.73% peer average.
Loan-to-deposit ratio 98.90% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE

View $1B-$10B leaderboard (NE) →

Cornhusker Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.66% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 19.7% in tier
- Net Interest Margin 0.46% below tier average
- Efficiency Ratio 2.24% above tier average

Get updates when Cornhusker Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.0B +1.9% YoY +1.7% QoQ	-$1.7B	$2.8B -0.6% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	Bottom 4.5% in tier
Total Loans ?	$843.3M -0.3% YoY +3.0% QoQ	-$1.1B	$2.0B -0.3% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$852.8M +1.7% YoY +0.3% QoQ	-$1.5B	$2.3B -0.5% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Bottom 4.0% in tier
Return on Assets ?	1.43% +40.1% YoY +0.2% QoQ	+0.03%	1.39% +17.0% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	65%
Net Interest Margin ?	3.41% +12.0% YoY +1.2% QoQ	-0.46%	3.87% +6.2% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	61.96% -7.6% YoY +0.9% QoQ	+2.24%	59.73% -12.6% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	0.02% -59.4% YoY -65.1% QoQ	-0.85%	0.87% +11.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Top 5.6% in tier
Loan-to-Deposit Ratio ?	98.90% -1.9% YoY +2.6% QoQ	+13.86%	85.04% -0.1% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	13.98% -5.3% YoY +2.7% QoQ	-7.29%	21.27% -1.5% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	0.02% -60.3% YoY -64.7% QoQ	-0.66%	0.67% +11.7% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Top 5.8% in tier
Tier 1 Capital Ratio ?	12.68% +4.4% YoY -1.4% QoQ	-2.16%	14.84% -0.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.27% +8.4% YoY +105.2% QoQ	-0.26%	0.53% +2.5% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Noninterest-Bearing	14.0% -0.8pp YoY +0.4pp QoQ	-7.4pp	21.4%	17.6%	22.2%	23%
Brokered Deposits	0.5% -0.4pp YoY 0.0pp QoQ	-8.9pp	9.5%	8.9%	8.5%	12%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	3.4% -2.4pp YoY -0.1pp QoQ	-10.6pp	14.0%	12.3%	12.5%	11%
CRE	69.9% +4.7pp YoY +1.8pp QoQ	+19.9pp	50.0%	32.3%	41.4%	88%
1-4 Family	26.7% -2.1pp YoY -1.7pp QoQ	+0.3pp	26.4%	16.9%	31.3%	59%
Consumer	0.1% -0.1pp YoY -0.1pp QoQ	-4.6pp	4.7%	3.1%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	12.7% +0.5pp YoY -0.2pp QoQ	-2.9pp	15.6%	16.1%	19.7%	36%
Leverage Ratio	10.1% +0.6pp YoY 0.0pp QoQ	-1.2pp	11.3%	12.1%	12.6%	40%
Total Capital Ratio	13.9% +0.5pp YoY -0.2pp QoQ	-2.8pp	16.7%	17.3%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	139 +11 (+8.6%) YoY +5 (+3.7%) QoQ	-175	313	98	482	19%
Assets per Employee ($)	$7.6M -6.2% YoY -2.0% QoQ	-$2.9M	$10.5M	$8.5M	$8.8M	32%
Branch Count	9 -1 (-10.0%) YoY 0 QoQ	-11	20	7	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.8%	1.0%	2%
Allowance Coverage	64.99x +143.7% YoY +177.0% QoQ	+46.28x	18.71x	31.69x	20.23x	98%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	14.6% +3.3pp YoY 0.0pp QoQ	+2.0pp	12.6%	12.3%	11.6%	70%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.9%	1.7%	63%
Net Income ($, YTD)	$7.4M +42.8% YoY — QoQ	-$11.9M	$19.2M	$6.1M	$40.4M	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#72 of 361 • Bottom 19.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.90%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.87%

#50 of 882 Top 5.6% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#52 of 885 Top 5.8% in $1B-$10B

Top Weaknesses (5 metrics)

851

Total Deposits

size

Value: $852.76M

Peer Median: $2.32B

#851 of 885 Bottom 4.0% in $1B-$10B

846

Total Assets

size

Value: $1.05B

Peer Median: $2.79B

#846 of 885 Bottom 4.5% in $1B-$10B

735

Loan-to-Deposit Ratio

liquidity

Value: 98.90%

Peer Median: 85.04%

#735 of 885 Bottom 17.1% in $1B-$10B

730

Total Loans

size

Value: $843.34M

Peer Median: $1.96B

#730 of 885 Bottom 17.6% in $1B-$10B

676

Non-Interest-Bearing Deposit Share

funding

Value: 13.98%

Peer Median: 21.27%

#676 of 885 Bottom 23.7% in $1B-$10B